Mark Zuckerberg has a mortgage He was worth about $16 billion when he took it out. $5.95 million on his house in Palo Alto, at 1.05% He could have paid cash for that house 2,000 times Jay-Z and Beyoncé bought an $88 million house in Bel Air and borrowed $52.8 million of it Elon had $61 million in mortgages on five houses in California None of them needed the money Inflation was running higher than 1.05% the year Zuckerberg signed. The bank was paying him to hold its money. His own cash stayed in Facebook stock, which went up about 20x after that Every rich person plays it the same way. Their money stays where it grows. The bank's money pays for the house, the jet and the next company. And borrowed money isn't income, so none of it gets taxed Nobody is offering you 1.05% on a mansion They are offering you something cheaper. A 700 credit score gets $100,000 to $250,000 on business credit cards at 0% for 12 months. Zuckerberg paid 1.05%. You'd pay nothing for the first year How to run it the way they do: 1. LLC and EIN. An afternoon and about $150 2. Business checking at the banks you're going to apply to 3. Personal cards paid down before the statements close 4. Chase, Amex, US Bank and Wells Fargo in the same week 5. Your cash stays in an account paying 4%+ 6. The bank's money buys the thing that makes money. Equipment, inventory, a truck, a competitor who's retiring 7. Every 0% end date in your phone, 60 days early Your uncle paid cash for his F-150 and calls it being smart with money Zuckerberg had $16 billion and still made the bank buy his house (700+ score: 100K-250K at 0%. link in bio)